ITIN Home Loans Available Without a Social Security Number
ITIN(Individual Taxpayer Identification Number)
Homeownership May Be Possible Without a Social Security Number (SSN)
If you live and work in the United States and pay taxes, you may still have the opportunity to purchase a home even if you do not have a Social Security Number (SSN).
An ITIN (Individual Taxpayer Identification Number) mortgage is a home loan program designed for borrowers who use an ITIN issued by the Internal Revenue Service (IRS).
While traditional Conventional and government-backed loan programs (FHA, VA, and USDA) generally require a Social Security Number, ITIN mortgage programs may allow qualified borrowers to purchase a home or refinance without an SSN.
Loan Factory works with more than 80 ITIN lenders, allowing us to compare interest rates, fees, qualification requirements, and program features from a wide range of lenders. Rather than being limited to a single bank, we can compare multiple Non-QM loan options to help you obtain the most competitive financing available.
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Access to 100+ Foreign National & ITIN Lenders
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Terry Kwon
Loan Officer
Ph (631) 624-4480
Email: terry@milestonepointinc.com
What Is an ITIN?
An ITIN (Individual Taxpayer Identification Number) is a taxpayer identification number issued by the Internal Revenue Service (IRS) for tax filing purposes.
It is commonly used by:
✅ Foreign nationals living and working in the United States
✅ Self-Employed Individuals
✅ Business Owners
✅ Taxpayers without a Social Security Number (SSN)
✅ Borrowers with an established tax filing history
Benefits of an ITIN Mortgage Program
✅ No Social Security Number (SSN) Required
✅ Home Purchase Available
✅ Refinance Available
✅ Cash-Out Refinance Available
✅ Self-Employed Borrowers Welcome
✅ Multiple Income Documentation Options
✅ Alternative Credit History May Be Accepted
✅ Opportunity to Build Wealth Through Homeownership in the United States
Qualification Requirements
Requirements vary by lender and program, but generally include:
✅ Valid ITIN
✅ 1–2 Years of Tax Filing History
✅ U.S. Residency
✅ Credit History or Alternative Credit Documentation
✅ Down Payment of 10%–20%
Multiple Ways to Verify Income
Accepted income documentation may include:
✅ W-2 Forms
✅ Pay Stubs
✅ Tax Returns
✅ Bank Statements
✅ Profit & Loss (P&L) Statements
✅ 1099 Forms
✅ Asset Utilization Programs
Milestone Point Inc. In partnership with Loan Factory Inc. (NMLS #320841)
Licensed Mortgage Loan Officer: Terry Kwon (NMLS #2620208)
Residential Mortgage Licensed: AL, CA, CO, GA, IL, ME, NJ, NV, OH, TX, VA, WA
Contact: (631) 624-4480
Email: terry@milestonepointinc.com
Milestone Point, Inc: 200 Garden City Plaza, Suite 215, Garden City, NY 11530
Loan Factory: 2195 Tully Road. San Jose, CA 95122
Disclaimer:
Loan approval is not guaranteed. Approval is subject to credit, income, assets, and other underwriting criteria.
Rates and terms are subject to change without notice.
Milestone Point Inc. partners with Loan Factory Inc. to provide access to multiple mortgage products.
All mortgage programs are offered through licensed mortgage brokers/loan officers registered with the NMLS.